Resume - Sarder Akhter Hamed

SARDER AKHTER HAMEDMobile: +880 1713048595

Skype: akhter0201E-mail: [email protected]; Location: Dhaka, Bangladesh

Career spanning 20 years; 10+ years of exposure in the Banking sectorCurrently working as Head of SME & Agri (SEVP) with Bank Asia Ltd., Dhaka

Seeking Senior Management Level Assignment by utilizing expertise inProduct Sales & Marketing | Branding | Promotions | P&L Management |

People ManagementChampion Award for best team work for the project, Blaze of Glory in 2004 for improving awareness of domestic

value for money brandOrganizational Competence Award from BRAC Bank Ltd. for outstanding contribution to business and taking the

bank to the door steps of the consumersAchievement Award 2001 out of 49 Territory Officers for best performance delivery in the Trade Marketing dept.

Proven credentials in guiding teams in steering FMCG and Banking products marketing (Retail, MSME & Agri) to deliver business targets and ensure revenue generation and profitability. Demonstrated expertise in developing products as established brands, monitoring product performance and ensuring product enhancement as per customers’ requirements and market trends. Skilled in planning and implementing product promotions to drive sales growth and business development. Strong planner and problem solver; excels at maintaining business relationships and interfacing with others at all levels, readily adapts to change, works independently and in a team and exceeds expectations.

Career Highlighs

Acquire a grant 4.3 crore from DFID under project Diganta to implement online approval processing of CMSE proposals from remote locations of the country under Bank Asia Agent banking network.

Developed online proposal acquiring and approval module for MSME & Agri and started live implementation for small ticket loans.

As a core member of the Loan Approval Committee of UCBL, assessed and provided recommendations on credit proposals for both Term Loan and Credit Cards in UCBL.

Launched Priority Banking (IMPERIAL Banking), currently having 2 lounges located in strategic locations of the Capital city in UCBL.

Reorganized Cards department, increase efficiency of system, process and manpower and by doing that operating profit grew from 70 million (2013) to 270 million (2014).

Monitored the recovery performance both consumer assets and cards in UCBL. As member of the Core Banking Software Migration team, evaluated the current system to fit in the new

migrated system (Finacle). Member of the Extended Management Team, evaluated and suggested required changes to the bank to align

as per changing banking environment and maintain competitive edge. Developed and launched personal banking asset / liability products in Brac Bank (Ezee A/C, Femina A/C, Salary

A/C, Freedom FDR, IFFD, MMS, Flexi DPS, Doctors Loan, Exclusive Club Loan, Teacher’s Loan & Car Loan Cat II). Pivotal role in the launch of new brand in FMCG market. Worked as a Consultant to develop training modules for Grameen Phone (Beyond Edge Selling Technique)

front line sales personnel; trained the Grameen Phone Managers. Recognized as a key resource person for development and training of distribution representatives in British

American Tobacco Bangladesh.

Professional Experience

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Bank Asia Ltd., Dhaka, BangladeshHead of MSME & Agri (SEVP) (September 2015 - till date)

Key Profile: Reporting to the Deputy Managing Director and leading a team of 5 direct, 51 indirect and 150+ contractual staff across the country (Approved budget is 171 full time and 330 contractual) to steer the following areas

Manage SME & Agri asset business and operation through the channels like Branch, Agent Banking, Direct Sales

Define the organogram, engage and develop key resources for future roles As a key member of the Credit Committee, assess and evaluate prospective proposals and endorse for

approval under Small, Mid and Agri (NGO) financing. Approve CMSE (Cottage Micro & Small enterprise) loans upto 2 million. Forecasting MSME & Agri business. Direct the team to implement innovative working models to ensure reach and recovery of the loans under

portfolio Managing P&L and other logistics for business. Developing products as brands, monitoring cost and ensuring revenue generation from products. Developing and implementing national sales & marketing plan to market MSME & Agri products. As the Project Head of Diganta online, develop and rollout the project live and design for further enhancement

to develop an intelligent automated approval system with defined algorithm. Maintaining relationship with key stakeholders like BB, SME Foundation, Donor Organizations for effective

implementation of prospective and ongoing activities Monitor overall health of the Lending portfolio and expedite collection through dedicated collection team.

United Commercial Bank Ltd., Dhaka, BangladeshHead of Retail Banking (EVP) (Oct 2011 - till date)

Key Profile: Reporting to the Additional Managing Director and leading Retail Team of 8 direct, 68 indirect and 400+ contractual staff across the country. Manage Retail asset liability and cards business and operation Managing consumer loan & credit card approval processing activities. Managing growth of consumer loans through direct sales teams and branches including liability growth with

the help of direct sales teams. Forecasting Retail Banking Assets and Liabilities and ensuring recovery of both card & consumer loans. Developing products as brands, monitoring cost and ensuring revenue generation from products. Developing and implementing national sales & marketing plan to market Retail Banking products. Facilitating channels (direct sales, cross sale, distribution and premium banking) in setting and meeting goals. Providing feedback on service related issues to ensure retention of the existing customers. Maintaining relationship with key stakeholders for ensuring seamless business operations. Monitor overall health of the Lending portfolio and expedite collection through dedicated collection team. Member of ALCO, helping top team to take strategic decisions on product rates & operating parameters.

BRAC Bank Ltd., Dhaka, Bangladesh (Apr 2005 - Oct 2011)Head of Retail Lending (SVP), BRAC Bank Ltd. (Apr 2010 - Oct 2011)

Key Profile: Joined as AVP & Head of Sales, rose through promotions to be Head of Retail Lending (SVP), led a team of 5 direct, 25 indirect and 300 contractual staff and reported to the Head of Retail Banking. Steered product branding & marketing activities, developed and implemented area & regional marketing plans

in the areas of product branding, volume, merchandising and promotions. Forecasted regional sales, managed growth of consumer loans, ensured revenue generation and profitability. Assessed and provided recommendations on consumer loan proposals. Designed and executed campaigns to drive sales growth of consumer lending products. Managed product parameters as per customer requirements and market trends. Coordinated with the Distributors to attain volume, share & other distribution parameters. Maintained relationship with trade channel to attain area distribution objectives of company brands. Monitored outlets to optimize availability in line with brand strategies and market requirements. Provided trade marketing reports, mentored and trained Managers and distribution field force.

Highlights: As Head of Liability, ensured net growth of BDT 1356 crores through new innovative products and portfolio

realignment (1st Jan 2008 – 9th Nov 2008). As Head of National Sales, ensured sales growth of all Asset and Liability products of Retail Banking through

Direct Sales Channels (Apr 2005 - Dec 2007). Re-brand Home Loan as APON GHAR, a comprehensive platform for the customer to process home loan and

arrange discount for purchasing switches, washroom items, painting, wooden/ interior work.

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British American Tobacco Bangladesh (BATB), various parts of Bangladesh (Nov 1995 - Apr 2005)Area Manager Marketing (Dec 2002 – Apr 2005)Territory Officer (Nov 1995 – Nov 2005)

Key Profile: Commenced career as Territory Officer, rose to be Area Manager Marketing, reported to the Regional Manager, led a team of 4 direct staff and 4 Distribution Companies, managed and delivered the business targets of the area based on volume and retail audit. Supported Regional Manager in managing Depot operations as an Area Manager Supported distributors’ business plan to achieve company objectives for assigned area. Involved in distribution route planning, monitoring logistics, improving distribution network. Mentored Territory Officers to attain targets and trained field force to improve their sales efficiency. Monitored financial control to ensure optimum resource utilization and cost savings.

Trainings Attended

Underwent the following Training & Workshop Programs, organized by British American Tobacco Bangladesh and BRAC Bank Ltd.: Kastle ULS (Universal Lending Solution) Operation at 3i Infotech, Mumbai ASIAN Bankers Academy 2007 in China Time Management Workshop Competitive Edge Series 1 (Core Selling Techniques of FMCG Product) Competitive Edge Series 2 (Market Segmentation, Consumer Behaviour, Enhance Negotiating Skill, Basic

Merchandising Development & Placement Techniques) People Leadership (Identify potential need of the Managers and pursue their development in that line) IT (Operational: Word, Excel & PowerPoint) Formal Communication Are you in Control assess and minimize risk involves with resources) Quantum Training (Operational Marketing Information Software) Development of Contract Merchandiser’s Display Strategy Development of Brand Launch Plan Winning In Our World (WOW) Product Technology Project Management MXS Intro Management Development Program (International Training, conducted by Planman Consultant, India)

Trainings Organized and Conducted

MXS Rollout in Bangladesh (Preparation of course printing material; creative execution of the program) Display Strategy for Part Timers/Contract Merchandisers Distribution Edge Series for the Distribution Field Force Merchandising Excellence Series for Contrast Merchandisers Development of Newly Recruited Territory Officers (Operational) Development of the modules of The Selling Edge (In-house Skill Development Program for the field force)

Academics

M. Com (Finance & Banking (Pre), Finance), Dhaka University (1995) B. Com (Economics), Dhaka City College, Dhaka University (1992)

Personal Particulars

Date of Birth: 2nd January 1973 Languages Known: English, Bangla and elementary Hindi IT Skills: MS Office (Word, Excel, PowerPoint), Lotus Notes, Finacle Core Banking Solution, Kastle Universal

Lending Solution; Email and Internet Applications Address: Apt B5, House# 47, Road No. 2, Block B, Niketon Residential Area, Gulshan 1, Dhaka, Bangladesh Volunteer in National Immunisation Day, organized by Bangladesh Government Organized Blood Donation Program with Distributor & Shandhani

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